{"id":50,"date":"2026-06-03T11:26:43","date_gmt":"2026-06-03T15:26:43","guid":{"rendered":"https:\/\/iul.solutions\/blog\/?p=50"},"modified":"2026-06-05T09:42:32","modified_gmt":"2026-06-05T13:42:32","slug":"smarter-tax-free-retirement-income-pirc","status":"publish","type":"post","link":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/","title":{"rendered":"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA)"},"content":{"rendered":"

This is Part 2 of a 3-part series. Read Part 1: The Annuity Puzzle \u2192<\/a><\/em><\/p>\n

One of the most common things I hear from people exploring retirement strategies is: “I like the idea of safe, predictable income\u2026 but I don’t want to create a tax problem later.”<\/em><\/p>\n

That’s a very smart concern. Because in retirement, taxes aren’t just an April problem. They’re an income problem.<\/p>\n

The Hidden Retirement Risk Nobody Talks About<\/h2>\n

Most people assume taxes will go down in retirement. Sometimes they do. But many retirees are surprised to find they pay more in taxes than expected \u2014 not because they did anything wrong, but because retirement income often stacks in ways people don’t anticipate.<\/p>\n

Taxable Social Security benefits kick in depending on total income. Pension income is fully taxable. Required Minimum Distributions from IRAs and 401(k)s arrive whether you need the money or not. Medicare premium increases (IRMAA) get triggered by higher reported income. And bracket creep happens when multiple income sources hit in the same year.<\/p>\n

So even if your investments are safe \u2014 your tax bill may not be.<\/p>\n

The Traditional Answer: Roth Conversions<\/h2>\n

Roth conversions can be a great tool. But for many people they’re not realistic. Converting can push you into a higher bracket, increase Medicare premiums, and requires a large tax payment upfront. So people do nothing \u2014 and hope it works out later.<\/p>\n

A Modern Strategy: PIRC<\/h2>\n

There’s a strategy that income-focused advisors have been using in coordination with CPAs called PIRC \u2014 Piecemeal Internal Roth Conversion. The simplest way to understand it is this: PIRC is a way of structuring annuity income so that future payouts can potentially be received as tax-free \u2014 similar in concept to the outcome of a Roth conversion, but executed through a qualified annuity.<\/strong><\/p>\n

It’s not magic. It’s not a loophole. It’s simply a way of designing annuity income so that future payouts can be structured as tax-free.<\/p>\n

How It Works in Plain English<\/h2>\n

Normally, annuity income is taxable in retirement. With PIRC, the goal is to shift the taxation forward \u2014 in a controlled way \u2014 so that later income can be structured as tax-free rather than taxable.<\/p>\n

Instead of taking a big tax hit later, you intentionally pre-pay taxes gradually now, while your income may be lower, your bracket may be more favorable, and you have more control over timing. Think of it as shaping the outcome rather than being surprised by it.<\/p>\n

Why This Matters<\/h2>\n

For the right person, this strategy can help solve several retirement problems at once. Income becomes more stable and easier to plan around. You’re not guessing what the tax code will look like later. Instead of being forced into taxable distributions, you’re shaping the outcome. And it can reduce the stacking effect that causes Social Security and Medicare surprises.<\/p>\n

PIRC tends to be a fit for someone who wants safe, predictable retirement income, is concerned about taxes later, likes the idea of tax-free income but doesn’t have Roth options available, and wants to reduce future bracket risk.<\/p>\n

It’s usually not a fit for someone who needs full liquidity, is in a very high bracket today, or is only looking for short-term growth.<\/p>\n

The Big Idea<\/h2>\n

Most people think the annuity decision is about rates. But for many retirees, the real leverage is income structure and tax structure. That’s where retirement plans become efficient \u2014 not in chasing a higher return, but in building a smarter paycheck.<\/p>\n

Bottom Line<\/h2>\n

PIRC is one of the most interesting income strategies available because it addresses a common fear: “I don’t want to create an income stream that turns into a tax mess.”<\/em><\/p>\n

For the right person, it can help create retirement income that is predictable, stable, safe, and structured for tax-efficiency. And in a world where taxes and inflation are still wild cards \u2014 that kind of clarity is valuable.<\/p>\n

One important note: not every annuity product can accommodate a PIRC strategy.<\/strong> Product selection matters \u2014 and the wrong contract can make this approach impossible or inefficient. This is a conversation to have before<\/em> you buy anything, not after.<\/p>\n

PIRC also requires careful coordination between the annuity design, the client’s tax bracket, and their tax professional. At IUL.Solutions, we work alongside your CPA wherever annuities and taxes intersect \u2014 because getting the tax structure right is just as important as getting the product right.<\/p>\n

Continue reading:<\/strong> Read Part 3: The Real Safe-Money Shift \u2192<\/a><\/p>\n

Book a Safe Money Review to discuss whether PIRC makes sense for your situation \u2192<\/a><\/p>\n

\u2014 Kurt<\/p>\n

This article is educational only and does not provide tax or legal advice. Tax rules vary by individual situation and can change. Always consult your CPA or qualified tax professional before making decisions. Kurt Lytle is the founder of IUL.Solutions, an independent insurance and retirement income planning practice based in Nashville, TN. NPN #8993693.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

This is Part 2 of a 3-part series. Read Part 1: The Annuity Puzzle \u2192 One of the most common […]<\/p>\n","protected":false},"author":1,"featured_media":66,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"class_list":["post-50","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-safe-money"],"yoast_head":"\nA Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA) - IUL.Solutions Blog<\/title>\n<meta name=\"description\" content=\"Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC \u2014 coordinated with your CPA \u2014 can help structure tax-free retirement income through a properly designed annuity.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax-Free Retirement Income Without a Roth IRA \u2014 PIRC Strategy | IUL.Solutions\" \/>\n<meta property=\"og:description\" content=\"Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC \u2014 coordinated with your CPA \u2014 can help structure tax-free retirement income through a properly designed annuity.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/\" \/>\n<meta property=\"og:site_name\" content=\"IUL.Solutions Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-03T15:26:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-05T13:42:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/05\/iul-series-graphic-part2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kurt Lytle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kurt Lytle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/\"},\"author\":{\"name\":\"Kurt Lytle\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#\\\/schema\\\/person\\\/e127ce10301995aee28186b2d0e944f3\"},\"headline\":\"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA)\",\"datePublished\":\"2026-06-03T15:26:43+00:00\",\"dateModified\":\"2026-06-05T13:42:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/\"},\"wordCount\":826,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/iul-series-graphic-part2-landscape.png\",\"articleSection\":[\"Safe Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/\",\"url\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/\",\"name\":\"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA) - IUL.Solutions Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/iul-series-graphic-part2-landscape.png\",\"datePublished\":\"2026-06-03T15:26:43+00:00\",\"dateModified\":\"2026-06-05T13:42:32+00:00\",\"description\":\"Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC \u2014 coordinated with your CPA \u2014 can help structure tax-free retirement income through a properly designed annuity.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#primaryimage\",\"url\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/iul-series-graphic-part2-landscape.png\",\"contentUrl\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/iul-series-graphic-part2-landscape.png\",\"width\":1200,\"height\":627,\"caption\":\"PIRC Tax-Free Income Strategy \u2014 Part 2 of 3: Mini Roth Conversions Inside an Annuity. IUL.Solutions Nashville\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/smarter-tax-free-retirement-income-pirc\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/\",\"name\":\"IUL.Solutions Blog\",\"description\":\"Safe Money Strategies & Retirement Income Planning | Nashville, TN\",\"publisher\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#organization\",\"name\":\"IUL.Solutions\",\"alternateName\":\"IUL.Solutions\",\"url\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/IULSolutions-Horizontal.png\",\"contentUrl\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/IULSolutions-Horizontal.png\",\"width\":1536,\"height\":1024,\"caption\":\"IUL.Solutions\"},\"image\":{\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/#\\\/schema\\\/person\\\/e127ce10301995aee28186b2d0e944f3\",\"name\":\"Kurt Lytle\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/03143ee68bb7c7a5869b2fc99ae89cb3c822e98250349ed87f645c7413f7ce4c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/03143ee68bb7c7a5869b2fc99ae89cb3c822e98250349ed87f645c7413f7ce4c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/03143ee68bb7c7a5869b2fc99ae89cb3c822e98250349ed87f645c7413f7ce4c?s=96&d=mm&r=g\",\"caption\":\"Kurt Lytle\"},\"sameAs\":[\"http:\\\/\\\/0bm.78b.mytemp.website\\\/blog\"],\"url\":\"https:\\\/\\\/iul.solutions\\\/blog\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA) - IUL.Solutions Blog","description":"Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC \u2014 coordinated with your CPA \u2014 can help structure tax-free retirement income through a properly designed annuity.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/","og_locale":"en_US","og_type":"article","og_title":"Tax-Free Retirement Income Without a Roth IRA \u2014 PIRC Strategy | IUL.Solutions","og_description":"Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC \u2014 coordinated with your CPA \u2014 can help structure tax-free retirement income through a properly designed annuity.","og_url":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/","og_site_name":"IUL.Solutions Blog","article_published_time":"2026-06-03T15:26:43+00:00","article_modified_time":"2026-06-05T13:42:32+00:00","og_image":[{"width":1200,"height":1200,"url":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/05\/iul-series-graphic-part2.png","type":"image\/png"}],"author":"Kurt Lytle","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kurt Lytle","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#article","isPartOf":{"@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/"},"author":{"name":"Kurt Lytle","@id":"https:\/\/iul.solutions\/blog\/#\/schema\/person\/e127ce10301995aee28186b2d0e944f3"},"headline":"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA)","datePublished":"2026-06-03T15:26:43+00:00","dateModified":"2026-06-05T13:42:32+00:00","mainEntityOfPage":{"@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/"},"wordCount":826,"commentCount":0,"publisher":{"@id":"https:\/\/iul.solutions\/blog\/#organization"},"image":{"@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#primaryimage"},"thumbnailUrl":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/06\/iul-series-graphic-part2-landscape.png","articleSection":["Safe Money"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/","url":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/","name":"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA) - IUL.Solutions Blog","isPartOf":{"@id":"https:\/\/iul.solutions\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#primaryimage"},"image":{"@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#primaryimage"},"thumbnailUrl":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/06\/iul-series-graphic-part2-landscape.png","datePublished":"2026-06-03T15:26:43+00:00","dateModified":"2026-06-05T13:42:32+00:00","description":"Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC \u2014 coordinated with your CPA \u2014 can help structure tax-free retirement income through a properly designed annuity.","breadcrumb":{"@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#primaryimage","url":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/06\/iul-series-graphic-part2-landscape.png","contentUrl":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/06\/iul-series-graphic-part2-landscape.png","width":1200,"height":627,"caption":"PIRC Tax-Free Income Strategy \u2014 Part 2 of 3: Mini Roth Conversions Inside an Annuity. IUL.Solutions Nashville"},{"@type":"BreadcrumbList","@id":"https:\/\/iul.solutions\/blog\/smarter-tax-free-retirement-income-pirc\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iul.solutions\/blog\/"},{"@type":"ListItem","position":2,"name":"A Smarter Way to Create Tax-Free Retirement Income (Without a Roth IRA)"}]},{"@type":"WebSite","@id":"https:\/\/iul.solutions\/blog\/#website","url":"https:\/\/iul.solutions\/blog\/","name":"IUL.Solutions Blog","description":"Safe Money Strategies & Retirement Income Planning | Nashville, TN","publisher":{"@id":"https:\/\/iul.solutions\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iul.solutions\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iul.solutions\/blog\/#organization","name":"IUL.Solutions","alternateName":"IUL.Solutions","url":"https:\/\/iul.solutions\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iul.solutions\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/05\/IULSolutions-Horizontal.png","contentUrl":"https:\/\/iul.solutions\/blog\/wp-content\/uploads\/2026\/05\/IULSolutions-Horizontal.png","width":1536,"height":1024,"caption":"IUL.Solutions"},"image":{"@id":"https:\/\/iul.solutions\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/iul.solutions\/blog\/#\/schema\/person\/e127ce10301995aee28186b2d0e944f3","name":"Kurt Lytle","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/03143ee68bb7c7a5869b2fc99ae89cb3c822e98250349ed87f645c7413f7ce4c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/03143ee68bb7c7a5869b2fc99ae89cb3c822e98250349ed87f645c7413f7ce4c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03143ee68bb7c7a5869b2fc99ae89cb3c822e98250349ed87f645c7413f7ce4c?s=96&d=mm&r=g","caption":"Kurt Lytle"},"sameAs":["http:\/\/0bm.78b.mytemp.website\/blog"],"url":"https:\/\/iul.solutions\/blog\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/posts\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":3,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"predecessor-version":[{"id":59,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions\/59"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/media\/66"}],"wp:attachment":[{"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iul.solutions\/blog\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}